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Manny Bongiovanni

Licensed Mortgage Originator

 

 

480-390-2123

mbongiovanni@thelendingco.com

 

March 2010

Apply Online

Qualify before you Buy !

1)  You must verify your income, 660 + FICO and minimum 6 months of reserve mortgage payments. Minimum 20% down & more for  3 & 4 plexes.

2)  Fannie Mae & Freddie Guideline Change ! 2/6/09,  has announced that it will increase the number of mortgages a Real Estate investor can have from 4 to 10.  720 minimum FICO, 75% LTV Purchases, 70& LTV Limited Cash-Out Refinance and Full Documentation income.   Read our Investor Loan Increase article here.

3)  Buying a Condo for cash or with private money?  make sure condo HOA is a warrantable property, if not, you may not be able to re-sell it easily to another. Fannie, Freddie & FHA will not lend on non warrantable condo properties.

4)  Buying properties at the Trustee Sale with private money?  You can no longer use the appraised value for a rate & term refinance until after 6 months and 12 months for a cash out refinance.

 

Call Direct   480-390-2123

 


 

 

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The Lending Co. - 6910 East Chauncey lane # 205 - Scottsdale, AZ 85254
Cell Phone: 480-390-2123 Fax: 480-323-2909
Email: MBongiovanni@thelendingco.com &: investorlending@yahoo.com

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